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Early planning to mitigate the effect of IHT is likely to prove a more concrete way of protecting your wealth. Some measures are straightforward, while others are more complex and will require the help of a specialist IHT adviser.

According to the OECD, UK pensioners have the lowest retirement income relative to previous earnings in the developed world, but powerful weapons are at the disposal of those taking responsibility for funding their own retirement.

Will you be taking to the streets in protest or adopt a more practical approach to surviving the ‘sober decade’? Here are just some of the key areas where your financial adviser can help and advise you.

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